5 Insurance Steps Parents Need Before Sending Kids to College  

Sending your child off to college is an exciting milestone—for both of you. But amidst the whirlwind of packing, orientations, and goodbyes, many parents overlook an important consideration: ensuring their child has adequate insurance coverage at college. Whether it’s safeguarding belongings in a dorm, reviewing health insurance plans, or understanding liabilities in off-campus housing, having the right insurance in place can save you from costly surprises later on.

This blog will walk you through everything parents of college-bound students need to know about insurance, so you can focus on your child's bright future with peace of mind.

Why Insurance is Critical for College Students

When your child heads to college, their life changes dramatically. New environments, shared living spaces, and more independence also mean increased risks—from stolen laptops to accidents on campus. Many families don’t realize that their existing insurance plans might offer partial or no coverage for their college student’s needs. Taking a proactive approach ensures you’re prepared for the unexpected, regardless of where college life takes them.

Common Risks College Students Face

• Theft of valuable electronics like laptops or smartphones.
• Damage to personal belongings in dorm rooms or apartments.
• Health emergencies that may require urgent care or hospitalization.
• Liability issues such as accidental property damage or injuries caused to others.

Addressing these risks through the right types of insurance will give both you and your child peace of mind as they transition into their new chapter.

Types of Insurance You Should Consider

1. Health Insurance

Most colleges require students to have health insurance before attending classes. There are two common ways to ensure your child is covered:

• Stay on Your Plan: If your family’s health insurance offers comprehensive coverage in your student’s college area, they can remain on your plan (usually until age 26).
• School-Sponsored Health Plans: For students studying far from home, a university health plan may offer more accessible coverage. Be sure to compare costs, services included, and network providers.

☑ Tip: Check if your insurance has in-network doctors near your student's campus to avoid high out-of-pocket expenses.

2. Renter’s or Homeowners Insurance

If your student is living in on-campus housing, most homeowners insurance policies will extend coverage to protect their belongings. However, students living off-campus may require a separate renter’s insurance policy.

What Does Renter’s Insurance Cover?

• Protection for personal items against theft, fire, or other damages.
• Liability coverage for incidents like a guest injury in their apartment.
• Additional living expenses if their apartment becomes temporarily uninhabitable due to a covered event.

☑ Tip: For an affordable price (often $10–$20 a month), renter’s insurance provides peace of mind while protecting costly electronics, furniture, and more.

3. Auto Insurance

Is your teen taking a car to college? If yes, you’ll need to review your auto insurance policy to ensure everything is in order. Notify your insurance provider about your child’s updated residence as it may affect premiums based on the location.

Key Considerations for College-Age Drivers:

• Coverage for long-distance driving: If their college is in another state, confirm whether your policy extends coverage in that area.
• Discounts for students without cars: Many insurers offer significant discounts for full-time students who leave their car at home.

☑ Tip: Some insurance companies offer "good student discounts" if your child maintains strong grades. Be sure to ask!

4. Technology and Electronics Insurance

Every college student depends on technology, whether for attending virtual lectures or acing late-night assignments. But laptops, tablets, and smartphones can easily get stolen, lost, or damaged. Consider a standalone electronics insurance policy if your student’s devices are particularly high value or their primary way to access education.

☑ Tip: Many electronics insurers provide accidental damage coverage, which traditional homeowners or renters insurance may not include.

5. Personal Liability Insurance

College students are often unprepared for liabilities they might face in academics, work, or social situations. For example, if your child accidentally causes harm to someone else’s property, they could be held liable. Adding an umbrella insurance policy for extra liability coverage can help protect against unforeseen expenses.

☑ Tip: Check if liability coverage is already included in your homeowners or renters policy before purchasing additional coverage.

How to Choose the Right Insurance

Every family’s insurance needs are unique, so start by assessing your existing policies to identify gaps in coverage. Ask these key questions:

• Does my health insurance policy work where my child will be living?
• Are my student’s belongings covered under our homeowners insurance, or do we need renters insurance?
• Will my auto insurance rates change based on my child’s college location?
• Does our current liability coverage protect them in case of accidental damage or injury?

☑ Pro tip: Consult an insurance advisor who can guide you in customizing policies specifically for your family’s circumstances.

Insurance and Study Abroad

Is your child considering studying abroad during their college years? An international experience requires additional insurance considerations. Beyond health and travel insurance, ensure their personal belongings are covered overseas and confirm liability protection in the destination country. Many providers offer short-term or semester-long policies tailored for students studying abroad.

Simplify Your Insurance Journey with Expert Help

Navigating the world of insurance can feel overwhelming, but you don’t have to do it alone. Companies like Garzor Insurance specialize in helping families find the right insurance solutions for every stage of life, including sending kids to college. Whether it’s reviewing your current policies or helping you explore new coverage options, working with an expert ensures that you’re fully prepared for this transition.

To save more time and effort, you can reach out to trusted local insurance consultants like Garzor Insurance. Garzor provides personalized guidance to ensure you get peace of mind without overpaying for unnecessary coverages. Get in touch today to review your options and safeguard your college-bound student!

You’re All Set for College (and Peace of Mind)

Preparing for college isn’t just about packing dorm essentials and buying textbooks. It’s also about ensuring your child has the protection they need in their new environment. With the right insurance in place, you can rest easy knowing they’re covered for whatever lies ahead.

Want a clearer understanding of your family’s insurance needs? Contact Garzor Insurance today and speak with our experienced team. We’re here to help you make confident choices and focus on what really matters.

Get In Touch / 321.206.8035